Wicked Fast Microloans up to $25,000

CEI offers fast track microloans for existing and start-up businesses. Decisions will typically be made within three business days.

The initial requirement is a 2-page application and impact data survey from all owners with a 20% or greater share of the business.


  • Funds can be used for working capital, equipment, or to refinance existing higher cost debt
  • Funds cannot be used for real estate purchase
  • Up to 60-months fully amortizing
  • No prepayment penalty
  • Non-profit businesses do not qualify

Existing Businesses
(can show at least 6 months of revenue)
Credit ScoreMaximum AmountRate
725 up$25,0007.5%
Start-Up Businesses
(have had less than 6 months of revenue)
Credit ScoreMaximum AmountRate
650 up$15,0008%

*Meeting credit score requirements neither guarantees loan approval nor requested loan amount

Primary requirements of approval:

  • A first position lien on all business assets
  • Personal guaranty from all business owners with a 20% or greater share of the business
  • Payment by ACH
  • Start-up businesses must have a business advisor

If applicable, the following documentation will be requested:

  • Legal documents
  • Evidence of insurance
  • Copy of current lease
  • Borrower’s Resolution
  • Additional items, as needed
Due to the COVID-19 Pandemic CEI offices are closed to the public. CEI staff will be working remotely and want to hear from you! Please reach out to your CEI contact regarding scheduled meetings and/or any questions/concerns. Click here for a list of COVID-19 Business Resources.